About Shaun Wooley & Mortgage Team
I have been in the mortgage industry for almost 10 years, but before I started down this path, I graduated from Texas Christian University in 2001. I was lucky enough to receive a baseball scholarship and I ended up with a Bachelor of Science degree. So, it makes perfect sense to end up in finance. I was raised in Irvine, CA and lived in Fort Worth while attending TCU. After I graduated, I headed back to Irvine because the weather in TX changes every 20 minutes. Once my wife and I started a family of our own we looked to relocate out of state. I was out mowing the yard on a hot CA day and my neighbor at the time wanted to tell me about his road trip that meandered through the state of Idaho. All I remember from that conversation was 4 words, “You will love it.” To prove him wrong we decided to fly out to Boise and have a horrible time. Sadly, he was right. We did love the area, the people, the open spaces, the rivers and the pace of life. We flew home after 5 days of exploring and the very next day there was a sign in my yard and the house was for sale. From the day the sign went in the yard to the time we backed up a u-haul into our driveway in ID was 35 days. I could go on and on, but the bottom line is I have been in your shoes. I had to save money and pinch pennies for the down payment of a home. I had to make 17 offers before we closed on our first home. I have refinanced to finish home improvement projects. I have relocated states and know what stress you are under. Therefore I know I can help you.
The right advice could help you find the right mortgage for you. Let's work together.
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The competitive edge you need to purchase the home you want. Get a fast approval with options as little as 3% down.
Current mortgage rates
Points:
| Loan Type | Rate | APR | Points | Mo. Payment |
|---|---|---|---|---|
| 30-year fixed | 6.750% | 7.087% | 0.991 ($3468.50) | $2270.09 |
| 15-year fixed | 5.875% | 6.251% | 0.569 ($1991.50) | $2929.91 |
| FHA loan | 6.250% | 7.213% | 0.516 ($1575.09) | $2016.25 |
| VA loans | 6.175% | 6.747% | 0.956 ($3906.22) | $2495.92 |
| Jumbo loans | 6.500% | 6.734% | 0.869 ($7821.00) | $5688.61 |
* Rates current as of 3/26/2025 01:31 pm, provided by Shaun Wooley, for Cook County, IL, and are subject to change without notice.
Mortgage rates disclaimers
30 year, 15 year rate assumptions
- Purchase price: $437,500
- Down payment: 20.00%
- First Lien Position
- Primary residence
- 760 FICO Score
- 30 day rate lock
- 80.00% LTV ratio
FHA rate assumptions
- Purchase price: $310,880
- Down payment: 3.50%
- First Lien Position
- Primary residence
- 680 FICO Score
- 30 day rate lock
- 96.50% LTV ratio
Jumbo rate assumptions
- Purchase price: $1,200,000
- Down payment: 25.00%
- First Lien Position
- Primary residence
- 760 FICO Score
- 25 day rate lock
- 75.00% LTV ratio
VA rate assumptions
- Purchase price: $400,000
- Down payment: 0.00%
- First Lien Position
- Primary residence
- 680 FICO Score
- 30 day rate lock
- 100.00% LTV ratio
- Must meet eligibility assumptions to qualify
This is NOT a mortgage loan approval or commitment to lend.
The actual fees, costs, and monthly payment on your specific loan transaction may
vary, and may include city, county, or other additional fees and costs. Mortgage rates
are offered exclusively through Rate, Inc. and are subject to change without
notice. The payment amount does not include homeowners' insurance, flood insurance
(if applicable), or property taxes that must be paid in addition to your loan payment.
The displayed Annual Percentage Rate (APR) is a measure of the cost to borrow money
expressed as a yearly percentage. For mortgage loans, excluding home equity lines of
credit, it includes the interest rate plus other charges or fees (such as mortgage
insurance, discount points, and origination charges). These mortgage rates are based
upon a variety of assumptions and conditions, which include a consumer credit score
that may be higher or lower than your individual credit score. Your loan's interest
rate will depend upon the specific characteristics of your loan transaction and your
credit history up to the time of closing. Refinancing may cause finance charges to be
higher over the life of the loan. Rate, Inc. has no affiliation
with the US Department of Housing and Urban Development, the US Department of Veterans
Affairs, the Nevada Department of Veterans Services, the US Department of Agriculture,
or any other government agency.
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